FCBC FINANCIAL STATEMENTS

First Community Bancshares Inc — balance sheet, income statement and cash flow trends

FCBCFirst Community Bancshares Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue175.2 M $-0.4%

Gross Profit157.5 M $+3.0%

Operating Income63.5 M $-1.5%

EBITDA69.3 M $-2.2%

Net Income49 M $-3.1%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
FCBC	—	—	—	28.0%
LLOY	—	—	—	25.9%
SKBNK	—	—	—	14.2%
NWG	—	—	—	20.1%
TSKB	—	—	—	54.9%
LB	—	—	—	1.4%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity521.4 M $14%
Current Liabilities3.2 M $0%
Long-term Liabilities3.1 B $86%

Key Figures

YoY change

Total Assets3.6 B $+13.0%

Total Liabilities3.1 B $+14.4%

Total Equity521.4 M $+5.0%

Cash & ST Investments867.8 M $+370.9%

Total Debt3.2 M $+250.3%

Net Debt-597.1 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
FCBC	275.91	0.6%	-12.47	14.3%
LLOY	0.12	209.8%	5.39	5.0%
SKBNK	—	0.0%	-13.41	5.9%
NWG	0.25	17.0%	-14.68	5.2%
TSKB	—	0.0%	-0.47	13.4%
LB	0.01	744.5%	280.57	5.3%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
FCBC	275.91	0.6%	-12.47	14.3%
CCBG	0.12	12.0%	-4.40	12.6%
GSBC	0.24	84.2%	5.03	11.1%
EGBN	10.43	9.7%	-0.64	11.5%
SMBC	0.12	25.9%	-4.13	11.2%
PGC	0.05	15.2%	-2.71	9.1%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow38.2 M $-29.3%

Capital Expenditures4.3 M $+100.8%

Free Cash Flow33.9 M $-34.7%

Dividends Paid-23 M $-138.1%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
FCBC	21.8%	19.3%	2.5%	77.9%
LLOY	—	—	0.0%	—
SKBNK	14.2%	31.2%	17.0%	100.0%
NWG	—	—	0.0%	—
TSKB	54.9%	71.9%	17.0%	100.0%
LB	-1.8%	-3.5%	1.7%	-134.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
FCBC	21.8%	19.3%	2.5%	77.9%
CCBG	36.3%	34.0%	2.4%	164.9%
GSBC	26.7%	23.4%	3.3%	123.0%
EGBN	0.0%	-1.3%	1.3%	-0.2%
SMBC	29.9%	28.6%	1.2%	139.4%
PGC	16.6%	13.9%	2.7%	172.3%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.